INSIDE THIS ISSUE PO Box 1765 Jefferson City, MO 65102 (573) 636-2751 | miba.net Editor: MATTHEW S. RUGE Executive Director ©2026 The Missouri Independent Bankers Association (MIBA) | Memberlink Solutions DBA The newsLINK Group LLC. All rights reserved. The Show-Me Banker is published six times per year by The newsLINK Group LLC for MIBA and is the official publication for this association. The information contained in this publication is intended to provide general information for review, consideration and education. The contents do not constitute legal advice and should not be relied on as such. If you need legal advice or assistance, it is strongly recommended that you contact an attorney as to your circumstances. The statements and opinions expressed in this publication are those of the individual authors and do not necessarily represent the views of MIBA, its board of directors or the publisher. Likewise, the appearance of advertisements within this publication does not constitute an endorsement or recommendation of any product or service advertised. The Show-Me Banker is a collective work, and as such, some articles are submitted by authors who are independent of MIBA. While a first-print policy is encouraged, in cases where this is not possible, every effort has been made to comply with any known reprint guidelines or restrictions. Content may not be reproduced or reprinted without prior written permission. For further information, please contact the publisher at (855) 747-4003. Published for the Missouri Independent Bankers Association 4 PRESIDENT’S MESSAGE Setting the Course 5 FROM THE TOP Setting Our Priorities for 2026 6 FLOURISH Let’s Continue the Course in the New Year 8 BACKGROUND ON Ben Polen CEO, Carroll County Trust Company 10 MEET YOUR MISSOURI BANKER Julie Parrish Vice President, Information Technology & Audit Officer, Exchange Bank of Missouri 12 IT as an Ecosystem What It Takes To Build an IT Solution That Drives Business Growth 13 Welcome New Endorsed Vendor 14 MIBA Winter Board Meeting December 8-9, 2025 16 Off and Running Community Banks Set for a Robust 2026 17 MIBA Lobbying Report 18 Strategic Approaches to Executive Compensation and BOLI 19 SAVE THE DATE MIBA's 49th Annual Convention & Expo 20 MIBA Mid‑Winter Seminar January 10-17, 2026, Ixtapa 22 News From You 23 Welcome New Associate Member 24 2025 PAC Honor Roll 25 MIBA Community Bankers for Compliance Program 26 Upcoming Events 2026 27 MIBA’s Endorsed Vendors Are Ready to Help You Go Further 28 MIBA Associate Members 30 Upcoming Webinar Schedule 32 REGISTRATION IS OPEN 2026 Directors & Officers Seminar April 28-29, 2026 10 4 16 20 The Show-Me Banker Magazine | 3
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